Archive for January, 2010

Asuransi Kecelakaan Diri (Personal Accident)

Asuransi Kecelakaan Diri (Personal Accident)
Asuransi Kecelakaan Diri (Personal Accident)   Asuransi Kecelakaan Diri Memberikan jaminan terhadap risiko kematian, cacat tetap, dan biaya perawatan atau pengobatan yang disebabkan oleh kecelakaan.   Kecelakaan adalah suatu kejadian atau peristiwa yang mengandung unsur kekerasan baik yang bersifat fisik maupun kimia dari luar secara tiba-tiba yang mengakibatkan luka atau cidera badan termasuk keracunan karena terhirup gas atau uap beracun, mati lemas atau tenggelam.   Full story

Property All Risks UKM (Usaha Kecil Menengah)

Property All Risks UKM (Usaha Kecil Menengah)
Jenis Usaha yang Dijamin Studio foto, pusat kebugaran, wartel, restoran, penjahit, isi ulang air minum, pangkas rambut, warnet, apotik, salon kecantikan, rental film, optic, toko, ruko, gudang pribadi, Full story

Property All Risks untuk Kantor

Property All Risks untuk Kantor
Property All Risks (PAR) Kantor memberikan perlindungan Asuransi menyeluruh untuk Bangunan dan Isi (peralatan dan perlengkapan) Kantor Anda dari segala jenis risiko kerugian seperti kebakaran, kemalingan, kerusuhan, huru-hara, banjir, angin topan, gempa bumi, Full story

Property All Risks untuk Rumah Tinggal

Property All Risks untuk Rumah Tinggal
Property All Risks (PAR) Rumah Tinggal memberikan perlindungan Asuransi menyeluruh untuk Bangunan dan Isi (Perabot) Rumah Tinggal Anda dari segala jenis risiko kerugian seperti kebakaran, kemalingan, kerusuhan, huru-hara, banjir, angina topan, gempa bumi, Full story

Importance of shipping methods: Containers, Breakbulk and Bulk

Importance of shipping methods: Containers, Breakbulk and Bulk
It is important to understand the various shipping methods used in marine transport to determine the level of risk involved. The following pages outline the common methods.   Containers   Containers is the principal method for shipping most types of general cargo. The two methods of shipping in containers are:   Full story

Containers & Loss Prevention of Goods in Containers

Types of Containers   There are many and varied types of Containers which have been specifically designed for specialised jobs. Below and on the next few pages are descriptions of some of those more frequently used containers.   Ø       General Purpose Ø       Open Top Ø       Flat Rack Ø       Insulated Ø       Refrigerated Ø       Bulk Ø       Open Sided Ø       Bolster Ø       Tank-tainer   Full story

Loss Prevention of Goods in Containers

Loss Prevention of Goods in Containers
Many publications are now available on loss prevention in the field of container transport. The standards in loading and transporting containers have improved considerably – thanks to the expertise that has been built up in the inland transport sector and the advice provided by container carriers, forwarding agents, and consolidators. Marine insurers and their associations have also contributed to this development in many countries – in their own best interests.   Full story

Damage due to moisture and condensation of containerized goods

Since the transportation of containerized goods is usually covered at all-risk terms and conditions, cargo insurers soon find themselves being called on to indemnify damage due to moisture and condensation. This is by far the main cause of losses in container traffic.   Containers are like scaled-down versions of a ship’s hold and are therefore subject to the same microclimatic conditions as those found on a conventional vessel. In the course of a long voyage, Full story

Standard Modes of Transport: FCL vs LCL

Standard Modes of Transport: FCL vs LCL
The transport chain involves carrying containers by road, rail, and inland waterways from the point of loading to the port of dispatch and from the port of discharge to their final destination. There are a number of new expressions and definitions associated with multimodal and intermodal transport:   FCL (full container load) means that the consignor’s goods fill the container. The full container is delivered to the container terminal and collected from there.   Full story

Machinery Breakdown and Boiler Explosion Clauses (Sub Limit ISR/PAR)

Machinery Breakdown and Boiler Explosion Clauses (Sub Limit ISR/PAR)   Sub limit Machinery Breakdown dan Boiler Explosion adalah hal yang umum sekarang dilekatkan pada polis ISR/PAR alasannya apalagi jika bukan “menghemat premium”.    Bingung melekatkan klausul yang mana untuk sub limit MB dan Boiler??   Tempel saja polis MB dan PSAKI?   Or you may use these clauses….   Full story

Business Interruption on Influenza Pandemic

SARS in 2003 had a severe impact on business activity in certain sectors of the economy (Hotels, Airlines, Travel and Health industries) mainly in Asia, a Flu Pandemic, with its greater contagion, is likely to hit the broader business communities globally.   "Business interruption” cover commonly exclude infectious diseases cover. However some underwriters may consider to allow extension on this infectious deseases.   Full story

Rating Composition

A rate for a risk ideally should reflect the hazards and exposures that the risk presents. Similarly the broader the coverage the higher the rate should be.   A rate is made up of:   Full story
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Moral Hazard

Analysis of the moral risk does not only mean assessing the Insured's attitude to risk improvements or physical standards. It also includes what the client may do if he strikes financial difficulties or his behaviours when dealing with a claim.   Moral hazard can be one of the hardest aspects to judge. It’s also one of the most sensitive considerations you may be involved in.   Full story

Housekeeping and Fire Risk

Housekeeping and Fire Risk
Poor housekeeping adds significantly to loss severity and frequency of fires. If a risk is congested (i.e. has a high fire load spread throughout the entire area) you are more likely to experience a total loss of the whole property. Full story

Fire and Allied Perils

Fire implies the actual ignition of something which ought not to be on fire and it must be accidental or fortuitous as far as the insured is concerned. The fire need not originate in the insured premises, so if a fire occurs in a neighbouring premises and as a result damage by scorching or blistering is caused to the insured property, that would be recoverable under the policy. Other circumstances in which the loss is so closely connected with the fire that it is regarded as covered by the policy include:   Full story

Basis of Indemnity

The policy wording will incorporate a definition of Indemnity under the title “Basis of Indemnity”.  The way indemnity is calculated will vary depending upon what is insured. For example:   Buildings   The normal basis for buildings is the cost of repair or reinstatement. Adjustment may be necessary to compensate for “betterment”. This betterment can arise in two ways:   Full story

Sub Limits on IAR/PAR Policies

Sub-Limits are imposed on IAR/PAR Policies to reduce the insurers liability for certain covers or to give extra extensions that are now very common included in the policy schedule   It is important that these be imposed for those type of perils or covers where it is inappropriate for the full policy limit(s) to apply. Remember that where no sub limit appears then the full sum insured is the limit.   Sub limits are now very common for the following covers:   Full story

Schering-Plough selesaikan kasus

NEW JERSEY: Schering-Plough Corp mendapatkan izin penyelesaian kasus dari hakim untuk menutup gugatan pernyataan palsu kepada para investor mengenai obat alergi Clarinex.   Hakim Distrik AS Katharine Hayden di pengadilan federal Newark, New Jersey, memberikan persetujuan atas gugatan class-action yang melibatkan 280.000 investor. Perjanjian itu logis dan adil setelah tujuh tahun proses litigasi dan mediasi," ujarnya dalam putusan kemarin.   Full story

Broadcom bayar US$160juta

FLORIDA: Broadcom Corp sepakat membayar US$160,5 juta tunai untuk menyelesaikan perkara gugatan dengan pemegang saham, terkait dengan praktik stock-option accounting yang dijalankan.   Sebagai kompensasi atas penyelesaian damai yang berhasil tercapai tersebut, sebagaimana dilaporkan Bloomberg, awal pekan ini, para pemegang saham selaku penggugat sepakat untuk membatalkan gugatan yang dilayangkan terhadap direksi dan komisaris perusahaan tersebut. Kendati telah tercapai penyelesaian damai yang berujung pada pencabutan gugatan tersebut, para penggugat dan tergugat tidak mengungkapkan secara detail poin-poin perdamaian yang dicapai kedua pihak. (BLOOMBERG/ELH)   Full story
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Shell dihukum bayar denda

LONDON: Shell UK Oil Products dan dua kontraktornya diganjar hukuman denda dengan jumlah total 283.000 pound sterling oleh Health and Safety Executive (HSE), terkait dengan kecelakaan di kilang minyak yang mencederai karyawannya. Full story
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Microsoft Ganti Rugi 180 juta US Dolar

IOWA- Pengadilan tinggi Iowa memutus Microsoft harus membayar ganti rugi 179,5 juta US dolar kepada warga Iowa, kemarin. Microsoft dinilai telah melakukan praktek monopoli dan anti kompetisi piranti lunak antara 1996 hingga 2006. Full story
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Membuat acuan bagi hakim hitung ganti rugi kasus HaKI

Selasa, 05/01/2010 00:00 WIB Membuat acuan bagi hakim hitung ganti rugi kasus HaKI Para penegak hukum sepakat perlunya peraturan sebagai acuan bagi hakim dalam membuat putusan nilai ganti rugi dalam perkara berkaitan dengan hak atas kekayaan intelektual (HaKI). Kesepakatan tersebut diambil dalam satu workshop yang diselenggarakan oleh Tim nasional penanggulangan pelanggaran hak kekayaan intelektual di Bali pertengahan bulan lalu. Full story
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Other IMO Conventions

Other IMO Conventions   International Convention on Salvage, 1989 - 14/7/1996   The Convention replaced a convention on the law of salvage adopted in Brussels in 1910 which incorporated the "'no cure, no pay" principle under which a salvor is only rewarded for services if the operation is successful.   Full story

Maritime Safety Conventions: SOLAS, COLREG, STCW-F, SAR, SUA, Etc

Maritime Safety Conventions: SOLAS, COLREG, STCW-F, SAR, SUA, Etc   International Convention on Standards of Training, Certification and Watchkeeping for Fishing Vessel Personnel (STCW-F), 1995 - 7/7/1995   The Convention is the first attempt to make standards of safety for crews of fishing vessels mandatory. The revised Document for Guidance on Training and Certification of Fishing Vessel Personnel produced jointly by IMO and the Food and Agriculture Organization (FAO) and the International Labour Organization (ILO) takes into account the provisions of the STCW-F Convention.   Full story

Convention on Limitation of Liability for Maritime Claims (LLMC), 1976

Convention on Limitation of Liability for Maritime Claims (LLMC), 1976 Adoption: 19 November 1976 Entry into force: 1 December 1986   Introduction   The Convention replaces the International Convention Relating to the Limitation of the Liability of Owners of Seagoing Ships, which was signed in Brussels in 1957, and came into force in 1968.   Full story

Protection & Indemnity (P&I) Cover

Protection & Indemnity (P&I) Cover
Protection & Indemnity (P&I) Cover   1. Personal injury to or illness or loss of life of crew members   The shipowner may be exposed to such claims in tort or under statute law, although it is more usual for the claims to be made under the crew member's collective agreement or particular contract of employment. Full story

UK P&I Club – What is P&I?

UK P&I Club - What is P&I?   Shipowners insure against loss of or damage to their ships with hull underwriters. They look to the P&I Clubs for insurance against their liabilities to others. These include their exposure to claims for damage or compensation in respect of the following heads of cover. The following description is a 'layman's guide' to the Rules of the Club and should not be treated as in any way definitive of the terms of cover provided. If you would like to see the full text of the Rules, please see Publications. Full story

Collision Liabilities

Collision Liabilities   i. One-fourth collision liability   The English form of hull policy requires the ship's hull underwriter to pay three-fourths only of the liability of the insured ship in respect of loss or damage to another ship or her cargo as a result of the collision (subject always to the maximum mentioned under (iii) below). The remaining one-fourth of such liability is insured by the shipowners Club. This one-fourth usually makes the Club the largest single insurance interest, and in practice the managers of the Club will usually be asked by the hull underwriters to handle the issue of collision liability with the other ship and her cargo on behalf of all the underwriting interests. It is also usual for the Club concerned to give, on behalf of the insured shipowner, any necessary guarantees to the other ship and her cargo, the Club taking appropriate counter-security from the insured shipowner and also from the hull underwriters (or brokers) to the extent of their respective interests.   Full story

The International Group of P&I Clubs

The International Group of P&I Clubs   The International Group of P&I Clubs exists to arrange collective insurance and reinsurance for P&I Clubs, to represent the views of shipowners and charterers who belong to those Clubs on matters of concern to the shipping industry and to provide a forum for the exchange of information.   Full story
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